Should You Convert to a Roth Before Retirement?

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Roth conversions can be a powerful tax strategy, but are they the right move when you’re just about to retire? In this video, Matt walks through a real-life case study to test that very question. Using Jerry and Ruth Crawford’s $7.3 million portfolio, he explores different strategies, from converting everything at once to filling tax brackets little by little.

The numbers reveal surprising trade-offs between lifetime tax savings, portfolio growth, and overall flexibility. You’ll also see how delaying Social Security can open up even more room to optimize conversions. This isn’t a one-size-fits-all formula, but a chance to see how smart tax planning decisions can make a significant impact on retirement income and the legacy you leave behind.

Key Topics We Discuss: 

⚖️ Full Roth conversion vs. phased approach

📉 Why converting all at once can reduce portfolio growth

📊 Lifetime tax savings with bracket targeting

⏳ Impact of delaying Social Security to age 70

🏡 Flexibility and legacy benefits from tax-free Roth assets

0:00 – Intro

0:47 – Case Study

2:47 – Full Roth conversion

3:44 – Partial conversion

7:26 – Delaying Social Security

8:45 – Flexibility and legacy benefits

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About Matthew Nelson

Matt has over 20 years of experience in the financial services industry. He is passionate about helping MedTech professionals maximize their benefits, reduce their taxes, and plan for financial freedom. As the Founder, Managing Partner, and Senior Financial Advisor at Perspective 6 Wealth Advisors, he leads a team of dedicated professionals. The team provides comprehensive and personalized financial planning and investment management services to our clients.

As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Accredited Investment Fiduciary® (AIF®), and Equity Compensation Associate (ECA) Matt specializes in helping our clients navigate the complex and evolving landscape of equity compensation, financial independence, portfolio management, and income tax minimization. Further, he offers strategic insights and guidance on business succession, valuation, and exit planning. Matt’s mission is to empower our clients to achieve their financial and personal goals with confidence and clarity.